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Friday, November 4, 2022

Are you a saver or a spender?

According to an article, it is projected that there will only be 17 billionaires in the Philippines by 2024 and around 19,000 millionaires, but they are not millionaires in Philippine pesos, but in US dollars. So while only a handful can eventually become “milyonaros” in their lifetime, we can still work our way toward achieving that dream by starting out as “iponaryos”.

Have you ever asked yourself, “Am I a saver or a spender? Now if you don’t have your passbook or access to your bank statement all you need to do is look around your room and check out all the stuff you have.

@lola_lamon @cebuanalhuillier The good thing about being an iponaryo is that you don’t actually have to start big. You can start with even just P150 and open your own Cebuana Lhiulier Micro Savings Account #WorldSavingsDay2022 #RestartyourSavings ♬ original sound - Lou Sv

To start your saving journey you can do a savings tracker like this one. Get a new notebook, some pens and stickers and do your graph, from personal savings to emergency funds. . Whatever you want to do with it.  This Savings tracker can be a component to sticking with your goal. 

Do you spend more on your needs or your wants?

While it’s not bad to give in and treat yourself once in a while, especially if it serves to motivate you even more to work harder. What is important is that you need to be cautious about your spending. If you are actually spending more than you are actually saving, maybe those personal rewards have become unnecessary indulges, which in the end could actually be preventing you from achieving your financial goals.


The good thing about being an iponaryo is that you don’t actually have to start big. You can start with even just P50 and open your own Cebuana Lhuillier Micro Savings Account.

Just go to any of Cebuana Lhuillier's over 3,000 branches nationwide and fill-out the Client Customer Information File Sheet and bring 1 valid government-issued ID.

Estudyante? No worries. Student ID is applicable basta currently enrolled.

Enrolling for your minor kid/s? Just bring a copy of birth certificate ng inyong anak.

Open a Cebuana Lhuillier Micro Savings Account now!

For more information visit 



  1. Laking tulong din talaga kapag nakakapag ipon.

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  3. Yes true savings for the future 💖
    Magandang simulain yan to save

  4. Great news , ito tlga ung mganda ung gawin ang mkapag ipon . The best tlga ang cebuana lhuiller 😍

  5. Very informative at napakahalaga ang pag iipon through Cebuana Lhuillier Micro Savings Account.

  6. Both po. Kudos to cebuana for this micro savings account sure na helpful para makapag ipon 🥰


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